County21st of 227 in Texas by approvalsFIPS 48139
SBA loans in Ellis County, Texas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 171 loans to businesses in Ellis County, Texas, in FY2021 to FY2025, worth $128M: 162 under 7(a) and 9 under 504.
That is 44.9 approvals per 1,000 business establishments (3,808 establishments in 2023), above the Texas figure of 37.2 and close to the national 41.0.
It ranks 21st of 227 Texas counties with approvals. In FY2025 there were 37, about level with FY2024.
71 lenders had approvals here; the most active were The Huntington National Bank (11), Northeast Bank (8) and Wells Fargo Bank National Association (8). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Ellis County
By number of approvals to businesses in the county, FY2021–FY2025; 71 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 11 | $4.3M | 6.4% | |
| 2 | Northeast BankLewiston, ME | 8 | $702K | 4.7% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 8 | $150K | 4.7% | |
| 4 | United Midwest Savings Bank National AssociationDe Graff, OH | 7 | $1.1M | 4.1% | |
| 5 | Citizens National Bank of TexasWaxahachie, TX | 6 | $4.2M | 3.5% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 5 | $5.9M | 2.9% | |
| 7 | The American National Bank of TexasTerrell, TX | 5 | $3.8M | 2.9% | |
| 8 | Colony BankFitzgerald, GA | 5 | $3.3M | 2.9% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 5 | $1.9M | 2.9% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $1.4M | 2.9% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 5 | $695K | 2.9% | |
| 12 | PNC Bank, National AssociationWilmington, DE | 5 | $370K | 2.9% | |
| 13 | American Momentum BankCollege Station, TX | 4 | $12.9M | 2.3% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 4 | $7.1M | 2.3% | |
| 15 | Enterprise Bank & TrustClayton, MO | 4 | $5.9M | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 21 | 12.3% | |
| 2 | Child Day Care ServicesNAICS 6244 | 8 | 4.7% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 4.1% | |
| 4 | General Freight TruckingNAICS 4841 | 7 | 4.1% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 7 | 4.1% | |
| 6 | Personal Care ServicesNAICS 8121 | 6 | 3.5% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 3.5% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 6 | 3.5% | |
| 9 | Gasoline StationsNAICS 4471 | 5 | 2.9% | |
| 10 | Offices of DentistsNAICS 6212 | 5 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 27 | 15.8% | |
| 2 | Construction | 25 | 14.6% | |
| 3 | Health Care and Social Assistance | 22 | 12.9% | |
| 4 | Retail Trade | 21 | 12.3% | |
| 5 | Other Services (except Public Administration) | 18 | 10.5% | |
| 6 | Transportation and Warehousing | 13 | 7.6% | |
| 7 | Professional, Scientific, and Technical Services | 11 | 6.4% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 10 | 5.8% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 26 | $18.9M | $326K | 0 | — | 26 | 204 |
| FY2025 | 35 | $31.8M | $250K | 2 | — | 37 | 415 |
| FY2024 | 35 | $16.4M | $150K | 2 | — | 37 | 314 |
| FY2023 | 32 | $19.1M | $300K | 1 | — | 33 | 367 |
| FY2022 | 25 | $17.1M | $376K | 3 | $1.4M | 28 | 339 |
| FY2021 | 35 | $31.8M | $647K | 1 | — | 36 | 445 |
| FY2020 | 20 | $9.5M | $291K | 1 | — | 21 | 324 |
| FY2019 | 22 | $17.8M | $474K | 1 | — | 23 | 287 |
| FY2018 | 24 | $7.0M | $138K | 4 | $5.6M | 28 | 241 |
| FY2017 | 23 | $16.8M | $150K | 0 | — | 23 | 418 |
| FY2016 | 15 | $8.7M | $200K | 1 | — | 16 | 350 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 111 approvals.
Against Texas and the country
| FY2021–FY2025 | Ellis County | Texas | United States |
|---|---|---|---|
| Approvals | 171 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 44.9 | 37.2 | 41.0 |
| Median 7(a) approval | $328K | $320K | $190K |
| Median 504 approval | $792K | $974K | $657K |
| Average approval | $750K | $770K | $573K |
| 504 share of approvals | 5.3% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.0 | 12.6 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less15.8%27
- $50,001 to $150,00018.1%31
- $150,001 to $350,00020.5%35
- $350,001 to $1 million22.8%39
- $1 million to $2 million12.3%21
- Over $2 million10.5%18
Age of the businesses
- Existing, more than 2 years old43.9%75
- New business, 2 years or less18.1%31
- Startup, loan funds will open the business25.7%44
- Change of ownership12.3%21
Questions and answers
Which lenders make the most SBA loans in Ellis County?
By approvals in FY2021 to FY2025: The Huntington National Bank (11), Northeast Bank (8), Wells Fargo Bank National Association (8), United Midwest Savings Bank National Association (7), Citizens National Bank of Texas (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Ellis County?
The median 7(a) approval was $328K and the median 504 approval $792K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Ellis County?
Restaurants and Other Eating Places (21); Child Day Care Services (8); Automotive Repair and Maintenance (7); General Freight Trucking (7); Building Equipment Contractors (7).
Is SBA lending in Ellis County rising?
Approvals in the three latest complete fiscal years total 107, against 85 in the three before: rising (+26%).
How does Ellis County compare with the rest of Texas?
44.9 approvals per 1,000 establishments against 37.2 statewide, and 171 of the state's 24,935 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error